Get a mortgage from Zillow Home Loans
Get a mortgage from
Zillow Home Loans
We provide mortgage options with competitive rates, no hidden fees and guidance at every step. See what you can afford to borrow with us.
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Already working with us? Access your dashboard
Why choose Zillow Home Loans?
Competitive rates
Strong mortgage rates, no hidden fees, and total transparency to keep you informed and up to date.
Low down payment options
We offer a variety of loan options to meet your needs and help make home ownership more affordable.
Top-rated loan officers
With a 4.9-star average rating, our loan officers provide step-by-step guidance and expertise in first-time home buying.
How to get a mortgage with
Zillow Home Loans
How to get a mortgage with Zillow Home Loans
BuyAbility is the first step to get home on your budget. Get your personalized estimate and track how it changes over time.
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Your next step to get a mortgage with Zillow Home Loans
Level up from an estimate to a Verified Pre-approval letter from us to officially know what you can borrow — and show sellers you're serious about buying their home.
Find the right mortgage with Zillow Home Loans
30-Year Fixed
Most popular- 3% min down payment
- Lower payments due to longer term
30-Year FHA
Lower credit profiles- 3.5% min down payment
- Looser credit/debt requirements
30-Year VA
Eligible military- 0% down payment
- No private mortgage insurance
20-Year Fixed
Save on interest- 5% min down payment
- Pay less interest due to shorter term
15-Year Fixed
Faster payoff- 5% min down payment
- Pay less interest due to shorter term
Get a personalized rate
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
Get a personalized rate
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
30-Year Fixed
Most popularRate5.875%APR6.058%Points (cost)1.947 ($5,354.25)- 3% min down payment
- Lower payments due to longer term
30-Year FHA
Lower credit profilesRate5.625%APR6.325%Points (cost)1.928 ($5,302.00)- 3.5% min down payment
- Looser credit/debt requirements
30-Year VA
Eligible militaryRate6.000%APR6.276%Points (cost)1.657 ($4,556.75)- 0% down payment
- No private mortgage insurance
20-Year Fixed
Save on interestRate6.000%APR6.218%Points (cost)1.730 ($4,757.50)- 5% min down payment
- Pay less interest due to shorter term
15-Year Fixed
Faster payoffRate5.250%APR5.547%Points (cost)1.917 ($5,271.75)- 5% min down payment
- Pay less interest due to shorter term
Get a personalized rate
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
Get your personalized rateGet a personalized rate
Mortgage rates aren't one size fits all. We can give you an estimate based on your unique details.
Buyers like you ❤️ Zillow Home Loans
Here's how happy homeowners made home a reality with our loan officers.
Learn more about home financing
Pre-qualified vs. pre-approved: What’s the difference?
How your credit score is calculated
Looking for additional mortgage resources? Visit our Learning Center
Looking for additional resources? Visit our Learning Center
Looking for additional resources?
Visit our Learning Center
Take the first step with BuyAbility℠
Know your budget and see which homes you can afford in real time with Zillow Home Loans' BuyAbility tool.
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Be ready to make offers
Verify the amount you're approved to borrow with Zillow Home Loans. Get a Verified Pre-approval letter from your loan officer.
Ready to speak with a real person?
Ready to speak with a real person?
About Zillow Home Loans
- What is Zillow Home Loans?
Zillow Home Loans provides online-based mortgage lending services and is committed to delivering best-in-class service and local market expertise, with communication and transparency every step of the way.
Zillow Home Loans was founded in 2000 as Mortgage Lenders of America and was acquired in 2018 by Zillow Group, which houses a portfolio of the largest and most vibrant real estate and home-related brands on the web and mobile.
- Why should I use Zillow Home Loans?
Competitive rates and fees
No upfront appraisal costs*, low down payment options.Choose from a variety of loan types
Conventional fixed rate and adjustable rate loans, Jumbo, FHA and VA.Close on time with no surprises
Count on us to meet critical deadlines. ZHL closes over 12 days faster based on a survey of over 2500 lenders.**Transparent process
Consistent and clear updates on the loan process from start to finish.- How do I purchase a home with Zillow Home Loans?
1) Get Pre-Qualified: The first step in the Zillow Home Loans process is to get pre-qualified. A pre-qualification is an estimate of what you can afford, based on self-reported income and stated assets as well as a soft credit check (which does not impact your credit). You and your real estate agent can use your pre-qualification result to help you understand whether the homes in your area meet your financial needs. At Zillow Home Loans, we can pre-qualify you in as little as 3 minutes online with no impact to your credit score. Get started with your pre-qualification here.
2) Get A Verified Pre-Approval Letter: When you’re ready to start touring and making offers, you’ll want to upgrade your pre-qualification to a Verified Pre-approval letter by completing a hard credit check and submitting documents that confirm the financial information you shared in your pre-qualification.
3) Submit an offer on the home you love: When you find the home you love, your licensed loan officer can update your Verified Pre-approval letter to make the offer you submit more appealing to a seller.- Is my personal information safe with Zillow Home Loans?
We are committed to keeping your information safe and secure. We use the same encryption and security used by major banking institutions. And we never resell your information to multiple lenders.
- How can I get in contact with a person from Zillow Home Loans?
Our licensed loan officers are here to guide you through the financing process. Our loan officers can help answer questions like:
- What are my loan options and how do they impact my monthly payments?
- How does a specific home impact my monthly payment?
- After I find the home I want, what’s next?
Get in touch with us by calling 833-372-1448 or save time and get started online by getting pre-qualified here
Zillow Home Loans Eligibility
- What types of loan options does Zillow Home Loans offer?
Zillow home loans offer a variety of options for mortgages including:
We also offer refinance options including: Rate and term refinance, streamline refinance, and cash-out refinance. Additionally, we offer fixed rate and adjustable rate terms on conventional loans.
- What credit score do I need to qualify for Zillow Home Loans?
An applicant is required to have a minimum FICO credit score of 620 for most loan types. Your payment history, amount of existing debt, new credit, length of credit history, and credit mix make up your FICO score. Your record of on-time payments and amount of credit you've used are the two top factors. Interested in learning more about raising your score? Check out this Zillow blog.
- What is the minimum down payment required for Zillow Home Loans? Does Zillow Home Loans offer down payment assistance?
When you purchase a home you typically need to bring in funds upfront to cover the cost of your down payment and additional closing costs. Closing costs are usually between 3-5% of the loan amount, and minimum down payment amounts can be as low as 3% of the loan amount.
If you or your spouse meet the minimum service requirements set by the Department of Veterans Affairs (VA), you may qualify for a VA loan which does not require any down payment. Learn more about low down payment loan options here.
At this time, ZHL offers limited down payment assistance in select markets. Please contact your loan officer to learn more.- How long does my job history need to be to qualify with Zillow Home Loans?
In general, to qualify for a loan with Zillow Home Loans, an applicant must have a minimum of 2 years of employment history (1099/W2 reportable taxes) or be a recent college graduate. Exceptions may apply to your specific situations. Additional sources of income may also be used to qualify for a loan with ZHL including public assistance or rental income. Call 833-372-1448 to speak with a licensed loan officer for more information.
- What types of property are eligible for financing with Zillow Home Loans?
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- Zillow Home Loans provides financing for people looking to buy or refinance single family homes, townhomes, or condominiums.
- Zillow Home Loans provides financing for primary homes, secondary / vacation homes, and investment properties.
- Zillow Home Loans does not currently provide financing for mobile or manufactured homes, investment property condominiums, construction / land, or co-ops.
- Where is Zillow Home Loans available?
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- Zillow Home Loans currently lends in all U.S. states except New York.
- Zillow Home Loans is currently not available outside of the United States, including Puerto Rico and other U.S. territories.
- Who can apply for Zillow Home Loans? Do I need to be a U.S. Citizen or live in the U.S.? Do I need a Social Security Number?
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- Applicants must be U.S. citizens or non-U.S. citizens who have a legal right to reside in the U.S.
- A mortgage loan through Zillow Home Loans requires that all applicants possess a valid social security number.
- Applicants must currently reside within the United States. A home loan application for an applicant working outside of the US, does not qualify with Zillow Homes Loans at this time. Zillow Home Loans does not have access to international credit reports, in order to verify residency, employment and credit history.
Pre-Qualification and Pre-Approval
- What is the difference between pre-qualification and pre-approval?
A pre-qualification is an estimate of what you can afford, based on self-reported income and stated assets as well as a soft credit check (which does not impact your credit). You and your real estate agent can use your pre-qualification result to help you understand whether the homes in your area meet your financial needs. At Zillow Home Loans, we can pre-qualify you in as little as 3 minutes online with no impact to your credit score. Get started with your pre-qualification here.
When you’re ready to start touring and making offers, you’ll need to upgrade your pre-qualification to Verified Pre-approval letter by submitting documents that confirm the financial information you shared in your pre-qualification. Learn more about the difference between pre-qualification and pre-approval here.
- Will pre-qualification or pre-approval impact my credit score?
There is no impact on your credit score to become pre-qualified with Zillow Home Loans. Pre-qualification uses a soft credit check, which will not impact your credit score.
To receive a Verified Pre-approval letter, and in order for our licensed loan officers to provide you with the best loan options, your credit report is required to be accessed. This will be in the form of a soft credit check, which will not impact your credit score. However, in some circumstances, we may require additional information and a hard credit pull may be necessary for a Verified Pre-approval letter, which has the potential to impact your credit score.
Learn more about the impact of different types of credit checks here.
- How can I get pre-qualified or pre-approved with Zillow Home Loans?
At Zillow Home Loans, we can pre-qualify you in as little as 3 minutes online with no impact to your credit score. During pre-qualification we will review your self-reported income and assets and do a soft credit check to estimate how much home you can afford. Get started with your pre-qualification here.
After completion of pre-qualification you can upgrade to a Verified Pre-approval by submitting documents that confirm the financial information you shared in your prequalification and completing a soft credit check, which will not impact your credit score. In some circumstances, we may require additional information and a hard credit pull may be necessary for a Verified Pre-approval, which has the potential to impact your credit score.
